As the weather gets colder and the days get shorter, it’s important to take extra care of your health. And one way you can do that is by using your health savings account (HSA). With an HSA, you can set aside money tax-free to cover eligible medical expenses. So, if you have an HSA through your job, now is the time to start using it to stay healthy this winter. Here are a few ways you can do that.
Get a flu shot. The best way to protect yourself from the flu is to get vaccinated every year. And with an HSA, you can use pre-tax dollars to pay for the cost of the flu shot. Just be sure to save your receipt.
Stock up on cold and flu medicine. When you do get sick, it’s important to have cold and flu medicine on hand so you can treat your symptoms and feel better as quickly as possible. Again, you can use your HSA funds to pay for these items—just save your receipts.
See your doctor for a check-up. An annual physical is a great way to proactively manage your health and catch any problems early on. And if you have an HSA, you can use those funds to cover the cost of the visit (as well as any shots or tests that may be required).
Schedule preventive screenings. screenings like mammograms and colonoscopies are important for catching problems early on, when they’re most treatable. And with an HSA, you can use pre-tax dollars to cover the cost of these screenings.
Stay active this winter. Just because it’s cold outside doesn’t mean you have to stop being active—you might just need to find ways to stay active indoors, like a treadmill or stationary bike. And if you’re able to get outside and enjoy the winter weather, don’t forget your SPF sunscreen.
Additional ways to help stay healthy this winter
Wash your hands often. One of the best ways to prevent getting sick is by washing your hands often. Make sure you’re washing your hands for at least 20 seconds with soap and water. You should also avoid touching your face, especially your eyes, nose, and mouth. If you can’t wash your hands, remember to use hand sanitizer that contains at least 60% alcohol.
Dress in layers. When you go outside, dress in layers so you can adjust to the changing temperatures. Wear a hat, scarf, and gloves to protect your extremities from the cold. You should also dress in loose-fitting, breathable clothing so you don’t get too warm when you’re indoors.
Stay hydrated. It’s important to stay hydrated all year round, but it’s especially important in the winter when the air is dryer. Drink plenty of fluids, like water and herbal tea, and avoid caffeinated and alcoholic beverages. You can also use a humidifier in your home or office to help keep the air moist.
Convenient Access to Funds
The Beniversal Card provides you with instant access to HSA funds at merchants providing medical products and services. You can also access HSA funds through checks, bill pay, and online transfers to or from a personal account. Your Beniversal Health Savings Account is available through BRIWEB and the BRIMOBILE app.
Need help getting started? Check out our Login FAQs page.
Start Using Your HSA Today
Pre-tax benefits can be a great way to save money on necessary expenses related to your health and wellbeing. If you have a chronic illness or condition that is exacerbated by cold weather, consider using your pre-tax benefits to purchase items that will help you stay warm and comfortable. And if you find yourself getting sick more often during the winter months, use your pre-tax benefits to purchase items that will help you feel better faster. By taking advantage of your HSA, you can proactively manage your health this winter and set yourself up for a healthy year ahead. So don’t wait—start using your HSA today!
